Bank Comparison
Peoples State Bank of Velva vs Horizon Financial Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Peoples State Bank of Velva | Horizon Financial Bank |
|---|---|---|
| CET1 Ratio | 12.74% | — |
| Tier 1 Capital Ratio | 12.74% | — |
| Total Capital Ratio | 13.99% | — |
| Tier 1 Leverage Ratio | 9.47% | 10.40% |
| Equity / Assets | 8.44% | 10.25% |
Profitability
| Metric | Peoples State Bank of Velva | Horizon Financial Bank |
|---|---|---|
| Return on Assets (ROA) | 1.43% | 0.91% |
| Return on Equity (ROE) | 16.11% | 8.68% |
| Net Interest Margin (NIM) | 3.89% | 3.85% |
| Yield on Earning Assets | 5.96% | 5.72% |
| Cost of Funds | 2.18% | 1.94% |
Asset quality
| Metric | Peoples State Bank of Velva | Horizon Financial Bank |
|---|---|---|
| Texas Ratio | 1.48% | 12.51% |
| Non-Performing Loan Ratio | 0.21% | 0.01% |
| Non-Performing Asset Ratio | 0.14% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.38% | 1.23% |
Balance sheet
| Metric | Peoples State Bank of Velva | Horizon Financial Bank |
|---|---|---|
| Total Assets | $206,073K | $202,230K |
| Total Deposits | $187,530K | $180,279K |
| Total Loans | $135,361K | $137,558K |
| Total Equity | $17,394K | $20,726K |
| Net Income (quarter) | $699 | $468 |
Liquidity & funding
| Metric | Peoples State Bank of Velva | Horizon Financial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 72.18% | 76.30% |
| Core Deposit Ratio | 89.52% | 85.20% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples State Bank of Velva | Horizon Financial Bank |
|---|---|---|
| Headquarters City | VELVA | MUNICH |
| Headquarters State | ND | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 20 | 29 |
| Established | Jan. 1, 1915, midnight | Jan. 1, 1905, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Peoples State Bank of Velva profile | View full Horizon Financial Bank profile | Browse all bank comparisons